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        <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
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        <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
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        <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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        <cusip>12572Q105</cusip>
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        <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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        <cusip>149123101</cusip>
        <value>1116016</value>
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        <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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        <nameOfIssuer>CIENA CORP</nameOfIssuer>
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        <value>252638</value>
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        <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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        <nameOfIssuer>CITIGROUP INC PERP -JJ</nameOfIssuer>
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        <nameOfIssuer>COCA COLA CO SR GLBL NT</nameOfIssuer>
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        <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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        <nameOfIssuer>ECOLAB INC</nameOfIssuer>
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        <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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        <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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        <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <nameOfIssuer>FIDELITY MSCI CONSUMER</nameOfIssuer>
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        <cusip>316092204</cusip>
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        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
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        <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer>
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        <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
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        <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
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        <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
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        <cusip>369604301</cusip>
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        <nameOfIssuer>GENERAL MILLS INC SR GLBL NT</nameOfIssuer>
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        <nameOfIssuer>HOME DEPOT INC SR GLBL NT</nameOfIssuer>
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        <cusip>437076102</cusip>
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        <nameOfIssuer>INTEL CORP</nameOfIssuer>
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        <cusip>458140100</cusip>
        <value>2850688</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>459200101</cusip>
        <value>854319</value>
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        <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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        <cusip>459200101</cusip>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <nameOfIssuer>INVESCO QQQ TRUST</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>46090E103</cusip>
        <value>1127427</value>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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        <nameOfIssuer>INVESCO QQQ TRUST</nameOfIssuer>
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        <cusip>46090E103</cusip>
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        <investmentDiscretion>OTR</investmentDiscretion>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46625H100</cusip>
        <value>6099470</value>
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        <otherManager>7000</otherManager>
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        <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>2462</Sole>
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        </votingAuthority>
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        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>46982L108</cusip>
        <value>148050</value>
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            <sshPrnamt>1175</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1175</Sole>
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    <infoTable>
        <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
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            <Shared>470</Shared>
            <None>0</None>
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        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>3963459</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15606</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>15606</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>478160104</cusip>
        <value>1002928</value>
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            <sshPrnamt>3949</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1449</Sole>
            <Shared>2500</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ELI LILLY &amp; CO SR NT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>951148</value>
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            <sshPrnamt>793</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>793</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ELI LILLY &amp; CO SR NT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>532457108</cusip>
        <value>1103476</value>
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            <sshPrnamt>920</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>220</Sole>
            <Shared>700</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
        <value>317903</value>
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            <sshPrnamt>624</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>624</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>539830109</cusip>
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            <sshPrnamt>183</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>183</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>1154266</value>
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            <sshPrnamt>5235</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5235</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>548661107</cusip>
        <value>94370</value>
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            <sshPrnamt>428</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>428</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>555350</value>
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            <sshPrnamt>6825</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6825</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MASCO CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>574599106</cusip>
        <value>211563</value>
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            <sshPrnamt>2600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>2600</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>46224</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>90</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MASTERCARD INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>205440</value>
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            <sshPrnamt>400</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
        <value>1562933</value>
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            <sshPrnamt>5782</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5782</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>580135101</cusip>
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            <sshPrnamt>927</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>727</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>821887</value>
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            <sshPrnamt>6396</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6396</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>442684</value>
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            <sshPrnamt>3445</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>966</Sole>
            <Shared>2479</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
        <value>3755567</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10068</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10068</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>594918104</cusip>
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            <sshPrnamt>3292</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3292</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>83382</value>
        <shrsOrPrnAmt>
            <sshPrnamt>950</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>65339F101</cusip>
        <value>128583</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
        <value>353853</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>8620</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NIKE INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>654106103</cusip>
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            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>475</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>314905</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1001</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1001</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>655844108</cusip>
        <value>742433</value>
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            <sshPrnamt>2360</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>2360</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NVIDIA CORPORATION SR NT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>229504</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1147</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1147</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION SR NT</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>67066G104</cusip>
        <value>40018</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>200</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ORACLE CORP SR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>1301073</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8878</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>8878</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ORACLE CORP SR</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>68389X105</cusip>
        <value>14655</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
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            <Shared>100</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>1379591</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10189</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>10189</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>713448108</cusip>
        <value>343781</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1739</Sole>
            <Shared>800</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>210628</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8747</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>8747</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PFIZER INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>717081103</cusip>
        <value>89915</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3734</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3734</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>530971</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2935</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2935</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PHILIP MORRIS INTERNATIONAL INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>718172109</cusip>
        <value>162819</value>
        <shrsOrPrnAmt>
            <sshPrnamt>900</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>900</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>1909401</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13021</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>13021</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>742718109</cusip>
        <value>362347</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2471</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>2471</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74743L100</cusip>
        <value>229616</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1406</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1214</Sole>
            <Shared>0</Shared>
            <None>192</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>74743L100</cusip>
        <value>56832</value>
        <shrsOrPrnAmt>
            <sshPrnamt>348</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>348</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>2067869</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10899</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>10899</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>75513E101</cusip>
        <value>291237</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1535</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1535</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>STATE STREET SPDR DOW JONES</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>78467X109</cusip>
        <value>206866</value>
        <shrsOrPrnAmt>
            <sshPrnamt>396</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>396</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SOUTHERN CO SR GLBL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>567754</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5932</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>5932</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SOUTHERN CO SR GLBL</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>842587107</cusip>
        <value>479317</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5008</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3508</Sole>
            <Shared>1500</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>STATE STR CORP PERP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>857477103</cusip>
        <value>717409</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4230</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4230</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STATE STR CORP PERP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>857477103</cusip>
        <value>67840</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>400</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>545690</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4178</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4178</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TARGET CORP</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>87612E106</cusip>
        <value>146675</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1123</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>923</Sole>
            <Shared>200</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>882508104</cusip>
        <value>1856382</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6228</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6228</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>882508104</cusip>
        <value>59614</value>
        <shrsOrPrnAmt>
            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>200</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>512285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3164</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3164</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>52783</value>
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            <sshPrnamt>326</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>326</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>898349204</cusip>
        <value>5045293</value>
        <shrsOrPrnAmt>
            <sshPrnamt>91883</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>91883</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>898349204</cusip>
        <value>80059</value>
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            <sshPrnamt>1458</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1458</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD EMERGING MARKETS STOCK</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922042858</cusip>
        <value>232313</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3892</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3892</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD UTILITIES ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>92204A876</cusip>
        <value>189858</value>
        <shrsOrPrnAmt>
            <sshPrnamt>970</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>945</Sole>
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            <None>25</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD UTILITIES ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>92204A876</cusip>
        <value>24858</value>
        <shrsOrPrnAmt>
            <sshPrnamt>127</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>127</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908363</cusip>
        <value>776782</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1131</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>1131</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>VANGUARD MID-CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908629</cusip>
        <value>329049</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4084</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4084</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD MID-CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908629</cusip>
        <value>68324</value>
        <shrsOrPrnAmt>
            <sshPrnamt>848</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>848</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SMALL CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908751</cusip>
        <value>172778</value>
        <shrsOrPrnAmt>
            <sshPrnamt>570</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>570</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD SMALL CAP ETF (MKT)</nameOfIssuer>
        <titleOfClass>MUTUAL FUND/STO</titleOfClass>
        <cusip>922908751</cusip>
        <value>68506</value>
        <shrsOrPrnAmt>
            <sshPrnamt>226</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>226</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>282831</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6680</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>6680</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>92343V104</cusip>
        <value>88575</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2092</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1892</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>2234393</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19728</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>19728</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>WALMART INC</nameOfIssuer>
        <titleOfClass>COMMON STOCK</titleOfClass>
        <cusip>931142103</cusip>
        <value>342045</value>
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            <sshPrnamt>3020</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
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            <Sole>1120</Sole>
            <Shared>1900</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>JOHNSON CTLS INTL PLC SHS</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>704541</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4822</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>4822</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JOHNSON CTLS INTL PLC SHS</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G51502105</cusip>
        <value>97310</value>
        <shrsOrPrnAmt>
            <sshPrnamt>666</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>666</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>LINDE PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G54950103</cusip>
        <value>337311</value>
        <shrsOrPrnAmt>
            <sshPrnamt>650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>650</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>285072</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3644</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>3644</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>50850</value>
        <shrsOrPrnAmt>
            <sshPrnamt>650</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>500</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G8994E103</cusip>
        <value>112967</value>
        <shrsOrPrnAmt>
            <sshPrnamt>230</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>230</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
        <titleOfClass>FOREIGN STOCK</titleOfClass>
        <cusip>G8994E103</cusip>
        <value>166994</value>
        <shrsOrPrnAmt>
            <sshPrnamt>340</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <otherManager>7000</otherManager>
        <votingAuthority>
            <Sole>340</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
</informationTable>
